I've dropped my phone a couple of times and it's never smashed. Maybe I've been lucky.
You've been lucky. If you dropped it the wrong way (it happens) you'd regret it. It's like people that don't backup their computer no matter how many times they're told they should. The backups usually start after their first catastrophe. I've seen it SOOO many times. You can be lucky forever... but you never know. Some aren't willing to risk it on a phone that would cost $800 to replace.